GreatFlorida Insurance - John Macatangay - Delray Beach Insurance

Auto Insurance Quotes in Delray Beach, FL

John Macatangay, Agent

561-513-5273

142 SE 6th Ave - Suite B
Delray Beach, FL  33483
Fax : 561-246-4495

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Auto Insurance Delray BeachAuto Insurance

What is Florida Auto Insurance?

It is a contract between you and your insurer in which you pay the b a certain amount of money and, in return, the company will protect you from major financial losses due to an auto accident for a given period of time.

Whether you currently own an automobile or are a prospective buyer in Delray Beach, you can get a Free Auto Insurance quote today. 

Simply call 561-513-5273 or complete our online quote request form. A GreatFlorida Auto Insurance Agent will help you find the best deal for you in Delray Beach.

Why Do You Need Auto Insurance?

Insurance is your protection against economic disaster should you cause an accident that results in property damage or injuries to other people. It can help cover repairs to your vehicle and related medical costs.

What does auto insurance cover?

  • Bodily injury liability coverage – Pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

  • Property damage liability coverage – Provides you with protection if your car accidentally damages another person's property. It also provides you with a legal defense.

  • Medical payments, no-fault or personal injury coverage – Usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.

  • Uninsured motorist coverage – Pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

  • Comprehensive physical damage coverage – Pays for damage to your car from theft, vandalism, flood, fire, and other covered perils.

  • Collision coverage – Pays for damage to your car when it hits or is hit by another object.

Can I get coverage with speeding tickets on my record? What about accidents or a DUI?

Yes. GreatFlorida Auto Insurance Agency owners understand that not everyone has a perfect driving record. They represent insurance carriers specializing in your unique situation.

What is a deductible on my auto policy?

In the event of a claim, this is the amount you will have to pay before your policy pays.

What's the difference between comprehensive and collision?

Collision is the part of the policy that covers your vehicle against damage caused in an accident. Comprehensive covers your car for damages not caused by a collision. It also covers against named perils such as hurricane damage and theft.

What are the Florida state required limits for auto insurance?

Florida requires a minimum of $10,000 coverage for property damage and $10,000 coverage for Personal Injury Protection.

What is uninsured motorist coverage?

Coverage designed to provide protection should you be involved in an accident with a motorist who is at fault and has either no insurance or not enough to cover your medical expenses. Uninsured motorist coverage does NOT cover damage to your vehicle.

I just moved to Florida. Is coverage the same from state to state?

No. Each state has unique rules and regulations for auto insurance. It’s important to be aware of the differences here in Florida.

Do I have to turn in my out of state tags and get new ones from Florida?

Yes. Upon moving to Florida a driver has 30 days get a new registration on the vehicle.

What is the Florida Financial Responsibility Law?

The law that requires owners or operators of autos to provide evidence that they have the funds to pay for automobile losses for which they might become liable. Auto Insurance is the usual method for providing this evidence to the state.

What is the Florida No-Fault Law?

The Florida No-Fault law requires PIP (personal injury protection) be carried by owners of motor vehicles and imposes penalties for failing to do so.

Why should I buy my auto insurance from GreatFlorida?

  • Most customers save money because we offer some of the most competitive rates around.
  • You can reach us any time, day or night, any day of the year.
  • You deal directly with a local GreatFlorida Agent in Delray Beach.
  • We help you settle your claims quickly and fairly.

Simply call 561-513-5273 or complete our online quote request form. A GreatFlorida Auto Insurance Agent in Delray Beach will help you find the best deal for you.

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About Auto Insurance in Delray Beach, FL

In the event of an accident, Auto insurance provides protection against monetary losses due to a car crash, as well as damages from a natural disaster or vandalism.

Delray Beach, FL drivers are required to have a minimum of property damage coverage and personal injury protection. John Macatangay at GreatFlorida Insurance Delray Beach, FL, can familiarize you with legal requirements, additional coverage options such as bodily injury liability, collision, no-fault, uninsured motorist, comprehensive coverage and deductibles.

John Macatangay at GreatFlorida Insurance in Delray Beach, FL shops all the major carriers to find the best policy and the best rate. Easy, Low-Cost and Worry Free. That's the GreatFlorida Insurance promise.

Simply call 561-513-5273 or complete our online quote request form.

Florida Auto  Insurance Blog
by GreatFlorida Insurance
11/13/2018

Holiday Spending Forecast

Holiday sales are likely to surpass the trillion dollar mark this year for the first time ever, according to eMarketer, a market research company. They anticipate a 5.8 percent increase compared to last year, marking the strongest growth in holiday spending since 2011. The surge in spending is attributed to low unemployment and strong income growth, translating into greater consumer confidence.

“With retailers anticipating more spending, shoppers can find plenty of deals,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Thanksgiving Store Closures

So, can shoppers enjoy Thanksgiving Day, without feeling like they are missing out on a bargain? This year nearly 100 popular national and regional retailers will not be open on Thanksgiving Day. Website, bestblackfriday.com, has a comprehensive list of store closings, including, Costco, Publix, TJX Group (T.J. Maxx, Marshalls, HomeGoods) and Home Depot.

In a survey conducted this year, the website found 24 percent of Americans favor Thanksgiving openings, while over 47 percent dislike Thanksgiving openings. Bestblackfriday.com discovered the common theme of “family-time” cited as the reason most retailers remain closed on the holiday.

When to Purchase

However, closing one day still leaves plenty of days for shopping. “Planning ahead seems the best way to get the most for your money,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

While many retailers are already offering great bargains, the biggest deals will most likely be found on Black Friday and Cyber Monday. However, will you still be able to find what are looking for if you wait until then? Adobe Analytics tracks online shopping and has come out with their annual holiday forecast. Their recommendations, if you have a specific item you want to purchase, buy it before Thanksgiving.

Adobe Analytics’ findings include:

Best Days for Deals

11/22, Thanksgiving-sports goods

11/23, Black Friday-electronics (including tablets), TV’s and computers

11/25, Sunday-apparel, appliances, jewelry

11/26, Cyber Monday-toys

11/27, Giving Tuesday-furniture and bedding

 

The post Strategic Holiday Shopping appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
10/31/2018

For some drivers, vehicle longevity is paramount in selecting a car. Determined to capitalize on their investment, they will drive their cars into the ground.

“With regular maintenance, most cars last up to 100,000 miles,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent car insurance agency.  Also, Consumer Reports says, the typical age of cars on the road is 11 years. On average, 1.2 percent of cars built every year makes it past 200,000 miles.

However, some cars far surpass the 100,000-mile mark and keep going. Researchers with the automotive website, iSeeCars.com, have complied a list of vehicles that are most likely to continue running well past 200,000 miles.

The data is based on analysis of over 13.5 million cars on the road, sold during 2017, from model years 1981 through 2017 with over 200,000 miles logged. The list is mostly comprised of larger vehicles, seven out of 10 vehicles most likely to pass 200,000 miles are SUV’s.

10. Honda Odyssey

9. Toyota Avalon

8. Toyota Tacoma

7. GMC Yukon

6. Chevrolet Tahoe

5. GMC Yukon XL

4. Toyota 4Runner

3. Chevrolet Suburban

2. Ford Expedition

1. Toyota Sequoia

“Most of the vehicles on the list are constructed with real durability, which must be a factor,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

Perhaps more triumphant than hitting the 200,000-mile mark are the vehicles iSeeCars.com, expects are likely to reach 300,000 miles. They include, Toyota 4Runner, Chevrolet Suburban, Toyota Sequoia, Ford Expedition and the Toyota Tacoma.

Noticeably absent from the list are luxury cars. “Typically, luxury models have fewer cars that achieve the 200,000-mile milestone because these cars are often leased with contracts requiring lessees to keep the miles down,” says iSeeCars.com, CEO Phong Ly.

The longest-lasting luxury vehicles to meet or exceed 200,000 miles include, Cadillac Escalade ESV, Cadillac Escalade, Acura MDX and Volvo XC 90.

If you are looking for dependable and affordable car insurance, give GreatFlorida Insurance a call today.

The post Vehicles that run for over 200,000 miles appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
10/17/2018

Hurricane Michael was the 3rd most powerful storm to hit the U.S. The storm quickly escalated to a category 4 hurricane, making it the worst in almost a century. National Geographic reports, Michael had the three most critical characteristics for a hurricane to gain strength and make a big impact. Those include, warm waters, low wind shear (a change in wind speed or direction in a short distance) and a tight core, keeping the storm intact.

“In a span of 48 hours we watched the tropical storm grow to a worst-case scenario,” recounts Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance company.

While it has been a week since Michael made landfall, the impact was so devastating, crews are still searching for survivors in the hardest hit areas. Hundreds remain in shelters and over 100,000 are still without power. Many are dependent on food and water being air dropped to their areas. Bay county schools are closed indefinitely for over 26,000 students. Cell phone service is spotty, and it is difficult to fill a gas tank. To support victims, Verizon announced it would give a three-month credit to every Verizon customer in Bay and Gulf counties.

The Florida Division of Emergency Management has established a website, floridadisaster.org, for storm victims, as an information hub. The website includes a list of open shelters, instructions on how to apply for disaster assistance, emergency supply distribution locations, updated curfews for each county, family reunification, boil water notices, debris reporting, insurance resources, available gas stations, power outage details, school closures, traffic, weather, a list of open camping areas, rumor control and more.

“At GreatFlorida Insurance, we are making every effort to provide our customers with a quick response so they can piece their lives back together,” says Ellsworth Buck Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance company.

Gov. Rick Scott, issued an emergency order that ensures additional protections to Florida insurance policy holders. According to the Insurance Journal, the order requires that insurers perform the following.

  • Freeze any rate hikes for 90 days.
  • Provide an additional 90 days to policyholders to supply required information to their insurance company.
  • Rescind for 90 days, all non-renewals or cancellations issued to policyholders in the days leading up to Hurricane Michael. This gives policyholders 90 days to either renew their insurance policy or find a new insurance policy.

For those interested in helping financially, Charity Navigator has highly rated the following charities. They will help by providing food, shelter, medical care and other necessities to victims of the storm.

Team Rubicon, https://teamrubiconusa.org

Samaritan’s Purse, https://www.samaritanspurse.org

All Hands and Hearts- Smart Response, https://www.allhandsandhearts.org/programs/hurricane-michael-relief/

Direct Relief, https://www.directrelief.org/emergency/hurricane-michael/

Many good Samaritans have packed up trucks with food and supplies to come and aid storm victims utilizing their own resources.

The post Hurricane Michael- What is being done? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
10/9/2018

Driving in the rain is stress inducing.  According to the U.S. Department of Transportation, it is more dangerous to drive on a rainy day than a snowy one. Most weather-related crashes happen on wet pavement-70 percent and during rainfall-46 percent.

“Sometimes rain seems like no big deal, but it’s a good idea to follow safe driving techniques when driving in inclement weather,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Slow down and keep calm

When the weather takes a turn for the worst and you must get behind the wheel, make sure you are alert and attentive. Reduce distractions. Also, even if it is raining during the day, it is a good idea to turn on your headlights to increase visibility. Keep your pace slow and steady. Leave plenty of extra space between you and the car in front of you, five seconds is advised.

Avoid hydroplaning

Hydroplaning is the biggest risk to driving on wet pavement. It occurs when a layer of too much water gets between the road and your tire, preventing the tire’s tread to properly grip the road.

“Rotating your tires and maintaining proper tire pressure will keep you tires it good condition, this helps prevent hydroplaning,” reminds says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

To prevent hydroplaning, avoid the outer lanes of the road where excess water accumulates.  Also, drive in the tracks of the car in front of you. Another word of caution, turn-off cruise control. Cruise control causes you to lose control on wet surfaces. If you hydroplane while in cruise control, your car will accelerate.

Popular Mechanics recommends, “If you start to hydroplane, keep both hands on the steering wheel and gradually apply the brakes. Slamming on the brakes or jerking the wheel can cause a skid.”

Water and wind

Keep a firm grip on the wheel if it is windy.  Be aware of vehicles around you, larger vehicles are more susceptible to high winds and could have trouble staying in their lane.

When it comes to standing water, avoid driving through a puddle with an unknown depth. If you are confident the puddle is only and couple of inches, slow down before coming to it and do not brake until you drive out of it.

Motorcycles

For those riding on motorcycles, be sure to wear proper gear especially for your feet and hands. Likewise, invest in a clear, anti-fog faceshield or goggles.

GreatFlorida Insurance offers reliable and affordable car insurance as well as motorcycle insurance. Contact us today!

The post Avoid driving like a maniac in bad weather appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
10/2/2018

It’s fall in Florida, that means, football, pumpkin-spice and flu shots. October just started and there are already confirmed cases of the flu.

Last year, 80,000 people died from the flu in the U.S. The largest number of casualties in four decades, according to the Centers for Disease Control and Prevention (CDC). Americans made 900,000 hospital visits. The CDC also reports last year’s flu season, was the most severe since the pandemic in 2009.

“There is really no reason to avoid a flu shot this year,” comments Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance agency in Florida. “It’s readily available, quick and for most people free.”

The Florida Department of Health recommends everyone over the age of six months old receive a flu shot by the end of October. The flu vaccine is convenient to get and available at most pharmacies such as CVS, Publix and Walgreens, walk-in clinics, public health facilities and your doctor’s office.

“Many health insurance companies cover the cost of the flu vaccine, but in case, check with your insurance beforehand to see if your plan requires your shot from a particular office or location,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance agency.

The Florida Department of Health reports, “Influenza or the flu, is a respiratory infection caused by a variety of flu viruses. The “flu” is a common catch-all term used for a variety of illnesses, but it correctly applies only to the upper respiratory diseases caused by the influenza virus.”

While, getting a flu shot will not guarantee you will not get the flu, research shows people who receive the vaccination experience less severe complications. A CDC study in 2017, showed that vaccination reduced flu deaths among children with high-risk medical conditions by half and among healthy children by about two-thirds.

To keep updated of national and state flu activity, check out the Florida Health Department’s web page at: http://www.floridahealth.gov/diseases-and-conditions/influenza/index.html.

GreatFlorida Insurance is committed to helping Floridians stay healthy. Our experienced agents can offer you and your family quality health insurance policies to fit your needs while staying within your budget. Call us at 888-478-7801 or go online to www.greatflorida.com for a free quote today.

 

 

 

The post Think you don’t need a flu shot? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/27/2018

“Hurricanes and floods can endanger lives, economic viability and entire communities,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Seeing the destruction Hurricane Florence left behind in the Carolinas, is a heartbreaking reminder of the importance of flood insurance.  According to data from Pew Charitable Trusts, between 2000-2017, flood related disasters accounted for more than $750 billion in losses in the U.S. Flood related disasters are the most common and most expensive disaster threat in the nation.

Pew Charitable Trusts also reports, when Hurricane Irma hit Florida last year, 14 percent of the 3.3 million households in the nine counties affected by the disaster had flood insurance. Leaving many Florida residents to come out-of-pocket for repairs and expenses.

“Most homeowners are unaware of the natural disasters covered by a standard homeowners insurance policy,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s principal independent homeowners insurance agency.

A standard homeowners insurance policy covers natural disasters such as wildfires, tornadoes and hail storms. Two natural disaster categories a standard homeowners insurance policy will not cover are floods and earth movements.

Floods are defined as rising water from excessive rainfall, hurricanes, storm surge, dam failure and a tsunami. Earth movements include earthquakes, landslides and sinkholes.

A homeowner might have a hurricane deductible included on their homeowners insurance, however it will not cover the flooding caused by a nearby lake that overflows during a hurricane. Experts with CNBC say a hurricane deductible typically ranges from one to five percent, depending on the specifics on your homeowners insurance policy. The percentage is based on your insured value, not the damage caused.

Flood insurance is available with GreatFlorida Insurance, through the National Flood Insurance Program. Also, additional disaster coverage is available for addition to a standard homeowners policy. Do not wait until the report of a storm is looming. It takes 30 days for flood insurance to go into effect.

The post Understanding flood insurance appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/19/2018

Last year, the Florida Department of Law Enforcement (FDLE) reports 42,889 motor vehicles were stolen across the state. “Quite often, stolen cars are not recovered and if they are, they are not without damage,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent auto insurance agency.

The National Insurance Crime Bureau (NICB) released its annual Hot Wheels report identifying, the 10 most stolen vehicles in the U.S. during 2017.  The NICB also breaks down their research by the top stolen cars in each state.

Listed below are the vehicles and the most popular year stolen in Florida last year. Is yours a favorite among thieves?

  1. Ford Pickup (Full size) 2006
  2.  Nissan Altima 2016
  3. Toyota Camry 2017
  4. Honda Accord  2017
  5. Toyota Corolla 2016
  6. Honda Civic 2016
  7. Chevrolet Pickup (Full size) 2006
  8. Hyundai Sonata 2010
  9. Dodge Pickup (Full size) 2005
  10. Hyundai Elantra 2017

While anti-theft technology is an effective deterrent, beware of complacency. The NICB reports that thousands of vehicles continue to be stolen each year due to owner negligence. Many cars are taken because drivers leave their keys or fobs in the vehicle. According to the FBI, 25 percent of cars stolen in Florida had the keys in the ignition.

If your car is stolen, take the following steps. First, determine for sure that your car has been stolen. Make sure it was not towed or borrowed by someone without them asking for permission.

Once this is determined, call the police. “The police will need your vehicle identification number, VIN, which can be found on your car insurance ID card,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.  The police will also need your license plate number, a description of the vehicle and any additional information your car may have such as GPS or telematics information. You will also need to fill out a police report, required by most insurance companies.

Next, contact your insurance agent. The insurance company will walk you through the information they need to file a claim on your behalf. If you are leasing or financing the vehicle, you will need to also contact the lender.

Make sure you are covered if your car is stolen with comprehensive car insurance from GreatFlorida Insurance. Contact an agent in your area today.

 

The post The most stolen cars in Florida appeared first on The GreatFlorida Insurance Blog.